The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$24,779
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,550
−HK$783/mo
Today · 4.125%
HK$26,333
baseline
▲ 0.50% · 4.625%
HK$27,936
+HK$1,603/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,666/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,567
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,306
−HK$750/mo
Today · 4.125%
HK$29,056
baseline
▲ 0.50% · 4.625%
HK$30,588
+HK$1,532/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,112/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,735
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,660
−HK$940/mo
Today · 4.125%
HK$31,600
baseline
▲ 0.50% · 4.625%
HK$33,523
+HK$1,923/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,200/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,080
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,967
−HK$900/mo
Today · 4.125%
HK$34,867
baseline
▲ 0.50% · 4.625%
HK$36,705
+HK$1,838/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,734/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,691
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,770
−HK$1,097/mo
Today · 4.125%
HK$36,867
baseline
▲ 0.50% · 4.625%
HK$39,110
+HK$2,243/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,734/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,594
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,629
−HK$1,050/mo
Today · 4.125%
HK$40,679
baseline
▲ 0.50% · 4.625%
HK$42,823
+HK$2,144/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,358/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,603
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,990
−HK$1,410/mo
Today · 4.125%
HK$47,400
baseline
▲ 0.50% · 4.625%
HK$50,284
+HK$2,884/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,800/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,620
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,951
−HK$1,350/mo
Today · 4.125%
HK$52,301
baseline
▲ 0.50% · 4.625%
HK$55,058
+HK$2,757/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,602/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,511 · Scale 2, in force from 26 Feb 2026)